PB Fintech Limited (POLICYBZR.BO) stock analysis
In our weekly check, PB Fintech Limited is graded B (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 5.
About PB Fintech Limited
PB Fintech Limited is a Financial Services company (Insurance - Brokers) based in India, listed on BSE as POLICYBZR.BO.
What our checks show for POLICYBZR.BO
Red flags
- Operating cash flow is only 0.39x net profit: part of the reported profit does not arrive as cash.
- The price swings a lot: 66.6% annual volatility. Expect large ups and downs.
- The stock has fallen as much as 74% from a peak. Would you have held through that?
- Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.
- Pay in shares equals 93.1% of free cash flow: it dilutes shareholders.
Warning signs
- Free cash flow is only 2.8% of revenue.
- Thinly traded (about 279 thousand shares a day): buying and selling can move the price.
Strengths
- The net margin rose by 68.7 points over 5 years, to 10.2%.
- The gross margin is 60.8% and has risen by 48.9 points: pricing power is holding.
- Analysts expect earnings per share to grow about 34.2% a year over the next years.
- Analysts expect revenue to grow about 15.7% a year over the next years.
- Analysts expect the net margin to improve by 7 points from today's 10.2%.
- Revenue grew 42.1% a year over the last 3 years.
Next earnings report: 2026-11-02
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Questions
What grade does PB Fintech Limited (POLICYBZR.BO) have?
In our weekly check, PB Fintech Limited is graded B (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 5. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of POLICYBZR.BO stock?
This week's biggest flags for PB Fintech Limited: Profits not backed by cash, Very volatile, Deep past fall. In total 7 of 23 checks show a warning or a red flag.
What does PB Fintech Limited do?
PB Fintech Limited is a Financial Services company (Insurance - Brokers) based in India, listed on BSE as POLICYBZR.BO.
When does PB Fintech Limited report earnings next?
The next earnings report is expected on 2026-11-02. We re-run the checks every week, so the grade can change after it.
The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.
Updated 2026-10-31
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